Can I Stack 10% AAdvantage Rebates from Citi and Barclaycard?

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TPG reader Danielle sent me a message on Facebook to ask about AAdvantage credit card benefits:

“The Citi AAdvantage card and Barclaycard Aviator each offer a 10% rebate on redeemed miles. If I have both cards, can I get a 20% rebate?”

The terms and conditions specify that the bonus is capped at 10,000 miles per calendar year regardless of how many eligible credit cards you have. There’s no mention of stacking the rebate percentage, but in practice you’ll only get 10% of the total mileage redeemed (rather than 10% for each card). A 20% rebate would be fantastic, but it’s not going to happen.

You can’t stack the rebate on multiple cards, but you can still get 10% back even on discounted awards.

On the bright side, the 10% rebate applies to all award redemptions, including AAdvantage off-peak awards and the reduced mileage awards also offered by a number of co-branded American Airlines cards. That means you can get a discount on fares that have already been reduced, creating some great opportunities to maximize your miles.

For example, you could use reduced mileage awards to book a domestic flight for as little as 15,750 miles round-trip (17,500 with a rebate of 1,750 miles). Similarly, an off-peak award to Europe would currently cost you just 36,000 miles round-trip (20,000 each way minus a total rebate of 4,000 miles). That price will increase when the new award chart goes into effect in March, but the general principle will still hold.

Even though the rebate doesn’t stack, it’s worth having one of these cards if you use the AAdvantage program regularly. For more info on which card to get (and keep), check out these posts:

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Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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Editorial Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.